Tio Rico Te Ayuda – 5433 W. Glendale, Glendale

Just steps from downtown Glendale, Tio Rico Te Ayuda on West Glendale Avenue is just off of Northwest Grand Avenue, (route 60). Convenient to Coral Gables, Highland West, El Dorado, Desert Springs, Country Hollow and Randolph Ranch, Tio Rico Te Ayuda’s Glendale location is ideal for local customers who need a fast cash loan in the Phoenix area. Tio Rico Te Ayuda also offers auto title loans in an efficient, stress-free environment. Visit the loan professionals of Tio Rico Te Ayuda in Glendale for approvals in 30 minutes or less and flexible repayment terms–according to your budget and schedule! Call us at 602-322-1010 when you need a personal loan and don’t have time to spare.

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Disclosures

Not for all financial needs: This is a short-term loan designed to help with your immediate cash needs. It will not solve your long-term needs and refinancing will result in additional charges. We encourage you to (1) borrow only what you need and can repay and (2) shop the marketplace until you are convinced that you have found the best possible solution.

Transparency of costs for your loan: The cost of credit will be clearly disclosed to you in terms of the dollar amount of interest and the APR according to the principles of federal truth in lending law and regulations. For details on the specific costs of your loan, please see cost and terms on your loan agreement. Late fees and non-sufficient funds/returned item fees may apply as described in your loan agreement. We will never charge you any "hidden fees" that are not fully disclosed in the loan agreement.

Right of Rescission: If you change your mind about the loan, you may rescind your loan at no charge as long as you return the loan proceeds within the number of days specified in your loan agreement.

Implications of Late and Non-Payment: Policy and Procedure Regarding Late Payment and Non Payment of loan:

ARIZONALate Payments Title and Personal Loans: Late Payments are monitored and oversaw by the Arizona Dept Of Financial Institutions. Per title 44-6002 late fees are to be charged at a rate of 5% of the unpaid installment amount due. As disclosed in our note and security agreement we charge 5% of the unpaid principal balance of the installment amount due. This does not take effect until the customer reaches a stage of delinquency of not less than 10 days.

Non Payment of Title Loan: If a customer does not pay per the specified dates on the note and security agreement their vehicle could potentially become subject to a repossession. We always try to work with our customers as our first goal and priority is for our customers to be successful in the repayment of their loan.

Non Payment of Personal Loan: In the event a customer's loan account charges off due to non-payment they may be subject to further legal action per the note and security agreement. The note and security agreement is a legal and binding agreement where if necessary we retain the ability to seek judgment and garnishment as a remedy due to non-payment of the unpaid balance of loan.

Quick Personal Loan Terms:

Late Payment/Non-payment of loan can be found in the section above or on our disclosures page.

Fees – There are no fees associated with a personal loan other then a NSF charge if in the event the Bank Processor returns the payment due to non sufficient funds.

Renewal Policy – All personal loans are written for a term of 6-9 months that are paid in a range from 13 to 20 Bi-Weekly payments or 12 to 18 Semi Monthly payments. The majority of our personal loans are written as "installment loans" meaning that if the customer makes their payments on time at the end of the loan the account will be paid in full. If, in the event a customer falls behind or requests to have an Interest only loan, there are a multitude of options available. For example, they may renew their loan with a reduced rate as a installment to cure past due payments or renew their loan at a reduced rate.

For information on Tio Rico Te Ayuda's codes of practice and policies on responsible lending please see the section above or visit our disclosures page.

Late Payment/Non-payment of loan can be found in the section above or on our disclosures page.

Annual Finance Rate – The maximum state usury rates are governed by the state of Arizona and depending on the negotiated rate the annual finance rate can be anywhere from 120% to 204%. These are merely a parameter used by Tio Rico Te Ayuda as we try to negotiate lower rates for our customers to fit their specific budgetary needs.

Renewal Policy - All auto title loans are written for a term of 6-24 months that are paid in a range from 13 to 52 Bi-Weekly payments or 12 to 48 Semi Monthly payments. The majority of our auto title loans are written as "installment loans" meaning that if the customer makes their payments on time at the end of the loan the account will be paid in full. If, in the event a customer falls behind or requests to have an Interest only loan, there are a multitude of options available. For example, they may renew their loan with a reduced rate as an installment to cure past due payments or renew their loan at a reduced rate.

If the customer is in a good equity position and wants to continue to make the minimum payment due they are able to renew the loan for an additional 6 months at the same or reduced % rate compared to the rate that they previously had. We do this to reward our customer for a timely pay history.

Title Loan: CFLL 22320.35
(1) For a period in default of not less than 10 days, an amount not in excess of ten dollars ($10).
(2) For a period in default of not less than 15 days, an amount not in excess of fifteen dollars ($15).

Pay Day Loan: CDDTL 23035
(1) If the customer’s check is returned unpaid, the customer may be charged an additional fee of up to fifteen dollars ($15).
(2) The customer cannot be prosecuted in a criminal action in conjunction with a deferred deposit transaction for a returned check or be threatened with prosecution.

Non Payment of a Title Loan:
CFLL 22328
If you fail to repay the loan pursuant to the terms of your contract your vehicle may be repossessed and sold. Additional charges may apply.

Quick Pay Day Loan Terms:

Late Payment/Non-payment of loan can be found in the section above or on our disclosures page.

Fees – There are no fees associated with a pay day loan other then a NSF charge if in the event the Bank Processor returns the payment due to non sufficient funds.

Renewal Policy – All pay day loans are written for a term of 7-31 days that are paid in a single payment.

For information on Tio Rico Te Ayuda's codes of practice and policies on responsible lending please see the section above or visit our disclosures page.

Late Payment/Non-payment of loan can be found in the section above or on our disclosures page.

Annual Finance Rate – The maximum state usury rates are governed by the state of California and depending on the negotiated rate the annual finance rate can be anywhere from 108% to 156%. These are merely a parameter used by Tio Rico Te Ayuda as we try to negotiate lower rates for our customers to fit their specific budgetary needs.

Renewal Policy - All auto title loans are written for a term of 24-36 months that are paid in a range from 52 to 78 Bi-Weekly payments or 48 to 72 Semi Monthly payments. All of our auto title loans are written as "installment loans" meaning that if the customer makes their payments on time at the end of the loan the account will be paid in full.

If the customer is in a good equity position and wants to continue to make the minimum payment due they are able to renew the loan for an additional 6 months at the same or reduced % rate compared to the rate that they previously had. We do this to reward our customer for a timely pay history.

Delinquency fees shall not exceed five cents ($.05) for each one dollar ($1.00) of each installment more than ten days in arrears; provided that the total of delinquency charges on any such installment shall not exceed ten dollars ($10.00)

Non Payment of an Installment Loan secured by a vehicles title:
If you fail to repay the loan pursuant to the terms of your contract your vehicle may be repossessed and sold. Additional charges may apply.

Non Payment of an Installment Loan, unsecured:
NMSA 58-15-17
A judgment may be obtained for pre-judgment interest and other costs such as attorney fees as provided by law.

Quick Unsecured Installment Loan terms:

Late Payment/Non-payment of loan can be found in the section above or on our disclosures page.

Fees – Delinquency fees shall not exceed five cents ($.05) for each one dollar ($1.00) of each installment more than ten days in arrears; provided that the total of delinquency charges on any such installment shall not exceed ten dollars ($10.00)

Renewal Policy – All Unsecured Installment Loan loans are written for a term of 6-9 months days that are paid in a range from 13 to 20 Bi-Weekly payments or 12 to 18 Semi Monthly payments. All of our Unsecured Installment Loans are written as "installment loans" meaning that if the customer makes their payments on time at the end of the loan the account will be paid in full. For information on Tio Rico Te Ayuda's codes of practice and policies on responsible lending please see the section above or visit our disclosures page.

Late Payment/Non-payment of loan can be found in the section above or on our disclosures page.

Annual Finance Rate – The maximum state usury rates are governed by the state of California and depending on the negotiated rate the annual finance rate can be anywhere from 108% to 156%. These are merely a parameter used by Tio Rico Te Ayuda as we try to negotiate lower rates for our customers to fit their specific budgetary needs.

Renewal Policy - All auto title loans are written for a term of 24-36 months that are paid in a range from 52 to 78 Bi-Weekly payments or 48 to 72 Semi Monthly payments. All of our auto title loans are written as "installment loans" meaning that if the customer makes their payments on time at the end of the loan the account will be paid in full.

If the customer is in a good equity position and wants to continue to make the minimum payment due they are able to renew the loan for an additional 6 months at the same or reduced % rate compared to the rate that they previously had. We do this to reward our customer for a timely pay history.

Responsible Renewals and Refinancing Options for installment loans: Our installment loans do not have to be paid off all at once like a payday loan. Instead, you can either pay the loan off according to the terms of the loan agreement or pay it off early to save finance charges. We may offer renewals or refinances of your installment loan. We strongly encourage principal reduction and early payment to reduce your finance charges.

Responsible payments for Pay Day Loans: The Pay Day loans are single payment short term loans and are due as stated on your agreement. We may allow an extension of time or a payment plan for repayment of an existing deferred deposit transaction.

We Respect Your Privacy: We adhere to all applicable federal and state privacy laws. Please see our Privacy Policy for details.
Contacting Us: We always provide a physical address, a toll-free phone number, and an email address so that you can reach us in the most convenient manner for you. We strive to respond to your mail, calls, and email in as fast a manner as possible so we can quickly answer any questions and solve any problems you might have. Please see Contact Us for details.

For additional information on Tio Rico Te Ayuda's codes of practice and policies on responsible lending please see the section above or visit our disclosures page.